WHAT YOU NEED TO KNOW: Commercial Umbrella Insurance provides businesses with additional liability coverage to help protect them against the costs of potentially exorbitant claims. Assets can be at risk when businesses are the target of lawsuits. Commercial Umbrella Insurance kicks in if the underlying insurance policy is not able to cover all of the costs of a claim. Without an Umbrella policy, business owners could be obligated to pay out of pocket for legal fees, medical bills, and damage expenses that exceed the limits of their underlying primary business coverage.